Bank Comparison
Security State Bank vs Northwoods Bank of Minnesota
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Security State Bank | Northwoods Bank of Minnesota |
|---|---|---|
| CET1 Ratio | 31.88% | — |
| Tier 1 Capital Ratio | 31.88% | — |
| Total Capital Ratio | 33.13% | — |
| Tier 1 Leverage Ratio | 19.69% | 11.00% |
| Equity / Assets | 19.73% | 9.32% |
Profitability
| Metric | Security State Bank | Northwoods Bank of Minnesota |
|---|---|---|
| Return on Assets (ROA) | 3.40% | 1.04% |
| Return on Equity (ROE) | 17.78% | 11.50% |
| Net Interest Margin (NIM) | 6.29% | 3.91% |
| Yield on Earning Assets | 7.25% | 5.03% |
| Cost of Funds | 1.28% | 1.22% |
Asset quality
| Metric | Security State Bank | Northwoods Bank of Minnesota |
|---|---|---|
| Texas Ratio | 1.12% | 0.00% |
| Non-Performing Loan Ratio | 0.41% | 0.00% |
| Non-Performing Asset Ratio | 0.23% | 0.00% |
| Net Charge-Off Ratio | 0.05% | -0.01% |
| ACL / Loans | 1.99% | 1.31% |
Balance sheet
| Metric | Security State Bank | Northwoods Bank of Minnesota |
|---|---|---|
| Total Assets | $140,565K | $140,514K |
| Total Deposits | $110,077K | $124,411K |
| Total Loans | $79,321K | $77,062K |
| Total Equity | $27,738K | $13,098K |
| Net Income (quarter) | $1,234K | $375 |
Liquidity & funding
| Metric | Security State Bank | Northwoods Bank of Minnesota |
|---|---|---|
| Loan-to-Deposit Ratio | 72.06% | 61.94% |
| Core Deposit Ratio | 95.18% | 91.14% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Security State Bank | Northwoods Bank of Minnesota |
|---|---|---|
| Headquarters City | IRON RIVER | PARK RAPIDS |
| Headquarters State | WI | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 714810 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 16 | 35 |
| Established | June 6, 1911, midnight | Sept. 19, 1919, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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